Prime & Base Rates at BMO
Find all our rates for lending products, interest and foreign exchange
Canada Prime Rate
Effective as of: September 18, 2025
CAD Deposit Reference rate
Effective as of: September 18, 2025
USD Deposit Reference Rate
Effective as of: September 18, 2025
US Base Rate
Effective as of: September 18, 2025
Rates for BMO products and services
Mortgages
Rates for residential mortgages
Homeowner ReadiLine®
Posted rates for Homeowner ReadiLine installment arrangements
Credit Cards
Annual interest rates on our credit card products
Personal Bank Accounts
Canadian and U.S. dollar accounts and overdraft protection rates
GICs and Term Deposits
Guaranteed Investment Certificate (GIC) and Term Deposit rates
RRSPs
Registered Retirement Savings Plan (RRSP) rates
RRIFs
Registered Retirement Income Fund (RRIF) rates
RESPs
Registered Education Savings Plan (RESP) rates
RDSPs
Registered Disability Savings Plan (RDSP) rates
TFSAs
Tax-free Savings Account (TFSA) rates
FHSA
First Home Savings Account (FHSA) rates
Business Bank Accounts
Canadian and U.S. funds rates
Foreign Exchange
Canadian foreign exchange rates
Helpful Resources
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